US Bank Industry

US average uninsured deposit ratio, Q2 2026

The average US bank's uninsured deposit ratio was 33.28% in Q2 2026, across the 4,297 banks that filed a call report. The table below has every quarter we serve, Q2 2021 through Q2 2026 (21 quarters).

Estimated deposits above the FDIC insurance limit, as a percent of total deposits, at quarter end.

Average bank, Q2 2026

33.28%

32.37% a year earlier (Q2 2025)

Banks filing, Q2 2026

4,297

Average bank

Every quarter

US uninsured deposit ratio by quarter, newest first
Quarter	Average bank	Banks filing
Q2 2026	33.28%	4,297
Q1 2026	33.05%	4,336
Q4 2025	33.31%	4,394
Q3 2025	32.91%	4,435
Q2 2025	32.37%	4,477
Q1 2025	32.36%	4,519
Q4 2024	32.50%	4,543
Q3 2024	32.14%	4,572
Q2 2024	31.77%	4,594
Q1 2024	31.65%	4,623
Q4 2023	32.44%	4,641
Q3 2023	32.22%	4,669
Q2 2023	32.16%	4,697
Q1 2023	32.84%	4,724
Q4 2022	34.78%	4,756
Q3 2022	35.49%	4,796
Q2 2022	35.87%	4,821
Q1 2022	36.03%	4,844
Q4 2021	37.21%	4,887
Q3 2021	36.45%	4,962
Q2 2021	35.76%	4,998

Download every quarter as CSV

How to cite

BankRegReports. "US bank industry uninsured deposit ratio, quarterly." Data Q2 2021 to Q2 2026. https://www.bankregreports.com/industry/uninsured-deposits/ (retrieved October 23, 2026).

This URL is stable: it always shows the newest quarter, and older quarters stay in the table.

How this is measured. The average bank figure is the simple average of each bank's own ratio, so every bank counts the same. Both cover every US bank and savings institution that filed a call report for the quarter. A quarter appears once enough banks have filed to describe the industry; until then the newest quarter shown is the one before. A median is not published here yet. Source: FFIEC Consolidated Reports of Condition and Income (call reports).

More US industry history: